Calculate monthly car loan payments, total interest, and total cost. Enter loan amount, rate, and term for a complete auto financing picture. Figures never leave your device — every calculation runs locally in your browser.
Calculate monthly mortgage payments with amortization schedule. Enter loan amount, interest rate, and term to see total interest paid. Figures never leave your device — every calculation runs locally in your browser.
Calculate simple interest using principal, rate, and time. Find total interest earned and final amount for basic interest calculations. Figures never leave your device — every calculation runs locally in your browser.
Compare buy net cost against rent total over a timeframe you set, from home price, down payment, mortgage rate, and monthly rent. Figures never leave your device — every calculation runs locally in your browser.
Calculate customer churn rate by dividing customers lost by total customers. Monitor retention health for your subscription business. Numbers never leave your device — every calculation runs locally in your browser.
Calculate total cost of software licenses by seats, price per seat, and billing cycle with annual discount. Budget and plan your SaaS subscription costs. Numbers never leave your device — every calculation runs locally in your browser.
The 20/4/10 rule: 20% down, max 4-year term, total car costs under 10% of gross income. $6,000/mo income → ≈$600/mo all-in (payment + insurance + fuel). A $30,000 car at 8%/48mo ≈ $732/mo payment alone — over budget before insurance.
48 months max for new cars, 36 for used. 72–84 month terms lower the payment but keep you underwater (owing more than resale) for years — a $30k car at 8%/84mo costs ≈$9,200 in interest vs ≈$5,100 at 48mo.
Used wins on depreciation (new cars lose ~20% in year one), but used rates run 1–3 points higher. Compare total cost, not payment: a $20k used car at 9%/48mo (≈$24k total) vs $30k new at 7%/60mo (≈$36k total).
Yes if it avoids being underwater: put ≥20% down or cover the first-year depreciation gap. Gap insurance ($300–600) covers the remainder if you must finance with little down.
No. All calculations run locally in your browser. No amounts or rates leave your device.
Car Lease Calculator
Estimate monthly car lease payments from price, residual, and money factor. Know a $30k car's true monthly cost — free, local, no signup.
EMI Calculator
Splits a loan principal into equal monthly installments using the standard reducing-balance formula with configurable annual interest and tenure. Figures never leave your device — every calculation runs locally in your browser.
Last updated October 2026